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    "Very easy to work with. They have helps us out tremendously. Ask for Gil and he will take care of you." Rick L.

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    "Gil who works at Express Capital Funding was very helpful in helping with get Capital for my business when I really needed it". john W.

Why a Working Capital Loan Works

A working capital loan provides short-term funding for everyday business operations. It covers accounts payable, wages, short-term cash flow gaps, materials and more. The loan provides cash flow to ensure business growth and security.

Typically used in a short-term arrangement, most working capital loans are outlined for a period of 2 weeks to 12 months. 

At Express Capital, we will help you customize the best funding solution for your cash flow gaps, and bridge them with a working capital loan.  

Speak to a Loan Specialist to Determine the Best Solution

How to Use Your Loan

There are few, if any, restrictions on how you use your business loan. We just want you to use the funds to expand your operations and conduct activities that will increase your opportunities for revenue.


Seasonal Fluctuations

Additional Staff

Additional Staff

Complete a Job

Complete a Job


Make Payroll


Facility Expansion


Facility Expansion




Payoff Debt

Financing Solution That Works for Businesses


2 Weeks to
12 Month Terms


Payoff Loan Early with No Penalties


Repayment is Daily or Weekly


Same-Day Funding


Up to $150,000


Costs as Low as 5.9%

How to Qualify for a Working Capital Loan


You must be a business


Business needs to be at least 1 year old


Monthly deposits of $7,500

Simple Application Process - All in 2 Hours!

Application Process


Bank Statements & 1/2 Page Application. Every application is analyzed manually and the principal amount is determined.



Our credit team assesses the application to determine if a working capital loan is a good fit for your business.



Funding documentation is prepared and emailed. Once executed, funds are wired within same business day.

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Additional Business Resources 

Need more about working capital? Our resources will help you learn more, make a solid financial decision for your business and even show you how to boost your cash flow.

Learn More About Working Capital